Terms & Conditions

e-Sign

In this Online Services E-SIGN Act Consent and Disclosure the terms “you”, “your” and “yours” each mean the SkyOne Federal Credit Union Account Owner, authorized signer and/or authorized user. The terms “we”, “us”, “our”, “ours”, and “SkyOne” each refer to and mean SkyOne Federal Credit Union.

This Online Services E-SIGN Act Consent and Disclosure provides important information required by the Electronic Signatures In Global and National Commerce Act (E-SIGN Act) and applies to your consent to and your request for the electronic delivery of all Communications for and
relating to your membership and the accounts, products and services offered and/or accessible through SkyOne Federal Credit Union’s online services, including iSky Online Banking, the e-Statements, External Transfer, iSky P2P, iSky Bill Payment, and Remote Deposit Capture (Mobile Deposit) Service, as well as access to those online services via our Mobile Banking Application (“App”).

“Communication(s)” means: all agreements and disclosures and any and all amendments thereto, as permitted by law; product, service, and fee change in terms notices; annual and other periodic notices required by federal and/or state law or regulation; periodic account statements, credit card statements, tax statements, transaction history and information; and other notices, such as insufficient funds notices, billing notices, and alerts.

NOTE: Consenting to receive Communications under this Online Services E-SIGN Act Consent and Disclosure will not automatically enroll you in the e-Statement Service or result in the automatic electronic delivery of periodic account statements and/or credit card statements.

By agreeing to the agreements and disclosures, you affirmatively consent to conduct business electronically with SkyOne Federal Credit Union in connection with SkyOne online services and your requests for related accounts, products and services, and to receive this E-SIGN Act Consent and Disclosure and the All-in-One Disclosure electronically.

This Online Services E-SIGN Act Consent and Disclosure, the All-in-One Agreement, and all other online services agreements and disclosures can be printed and/or downloaded by you, and are available to you in paper hardcopy upon request. Please read these agreements and disclosures prior to continuing with your enrollment in Online Banking.

If after you register for Online Banking you enroll in e-Statements, External Transfers, iSky Bill Payment, Remote Deposit Capture (Mobile Deposit) Service, or any other service, your consent provided under this Online Services E-SIGN Act Consent and Disclosure will also apply to the electronic delivery of the related agreements and disclosures and all other Communications.

Applicability of Consent – Your electronic consent to conduct business electronically applies to SkyOne Federal Credit Union’s online services, your request for accounts, and all related products and services you request or utilize, and the electronic delivery of Communications.

Email Address and Keeping Your Information Current – In order to communicate with you regarding your online services, new account(s) and all related products and services you request or utilize, and to deliver to you or notify you of Communications, you must provide us with your valid e-mail address. It is your responsibility to promptly notify SkyOne Federal Credit Union of any changes to your email address. You can update your email address with us by either calling us at 800.421.7111, or updating your personal information email address via iSky Online Banking, or by submitting your change to us in writing via mail to SkyOne, P.O. Box 5003, Hawthorne, CA 90251-9801, or by visiting one or our branches.

Print and Download Agreements and Disclosures – Most information on and within our website and via online services is provided in either HTML and/or PDF format. For those agreements, disclosures, forms, notices, and other documents provided/available in PDF format, Adobe Acrobat Reader 6.0 or later versions is required – A free copy of Adobe Acrobat Reader may be obtained from the Adobe website at http://www.adobe.com.

To print or download agreements and disclosures and other documents you must have a printer connected to your computer or have sufficient hard-drive space (approximately 1 MB) on your computer to download, store and view the information.

To print, click on the document HTML or PDF link, select Print, select your Printer, and click OK to print to your printer where the document can be printed on your own paper, or select Save or Save As to save and retain an electronic copy on your computer.

Hardware and Software Requirements – You must have access to a computer with browser software such as Microsoft Internet Explorer; Adobe Acrobat Reader; Internet access, and an active/operating email address (at your cost). Your computer needs to support the following requirements:

1. An operating system, such as: Windows 98, NT, 2000, ME, XP, Vista, or Win 7; (for added security, Windows 2000 and up is recommended); or Macintosh OS 10.x

2. Access to the Internet and an Internet browser which supports HTML 4.0 and 128bit SSL
encryption and JavaScript, such as:

For PC using Windows 98, NT, 2000, ME, XP, Vista, or Win 7: Microsoft Internet Explorer 8.0 and higher, Firefox 3 and higher or Chrome 3.0 and higher

For Macintosh using OS 10.x: Safari 3.0 and higher. Firefox 3 and higher or Chrome 4.0 and higher

Other Internet browsers may be used, but are not supported.
By affirmatively consenting, you confirm that you have access to the necessary hardware and software.

All Agreements and Disclosures Are “In Writing” – This Online Services E-SIGN Act Consent and Disclosure and all agreements, disclosures and notices delivered electronically or otherwise made available to you are considered “in writing” and are available to you in a form you may keep by either printing or downloading the documents, or by requesting a paper copy from us.

Obtaining Paper Copies of Agreements and Disclosures – You can obtain a paper copy of this Online Services E-SIGN Act Consent and Disclosure and the above listed agreements and disclosures by printing it/them yourself. You can also contact us at 800-328-5328 to request a paper copy free of cost when sent by us to you through regular U.S. mail.

Termination – We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

Withdrawing Consent – You have the right to withdraw your electronic consent to conduct business electronically with us by telephoning us at 800-328-5328, by sending your instructions to us via U.S. mail to SkyOne Federal Credit Union, P.O. Box 5003, Hawthorne, CA 90251-9801, or by visiting one of our branches. If you withdraw your consent you may not be able to open additional accounts or request additional products and services online, or view or print/download this or the above listed agreements and disclosures through our website.

Governing Law – This Online Services E-SIGN Act Consent and Disclosure is made in California and shall be governed by the laws of the State of California, to the extent that California law is not inconsistent with controlling Federal Law. California’s “Choice of Rules” will not be applied if they would result in the application of non-California law.

Online Bill Pay

SERVICE DEFINITIONS
“Service or The Service” means iSky Online Bill Payment, the bill payment service offered by SkyOne Federal Credit Union through iPay Solutions. “We, Our, Us” mean SkyOne Federal Credit Union. “You” or “Your” means each member authorized to use the Service. “Agreement” means these terms and conditions of the bill payment service.

“Payee” is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.
“Payment Instruction” is the information provided by you to the Service for a bill payment to be made to the Payee (such as, but not limited to, Payee name, Payee account number, and Scheduled Payment Date).

“Payment Account” is the checking account from which bill payments will be debited. “Billing Account” is the checking account from which all Service fees will be automatically debited. “Business Day” is every Monday through Friday, excluding Federal Reserve holidays. “Scheduled Payment Date” is the day you want your Payee to receive your bill payment and is also the day your Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day, in which case it will be considered to be the previous Business Day. “Due Date” is the date reflected on your Payee statement for which the payment is due; it is not the late date or grace period. “Scheduled Payment” is a payment that has been scheduled through the Service but has not begun processing.

This is Your bill paying agreement with SkyOne Federal Credit Union. 
You may use the Service to direct SkyOne Federal Credit Union to make payments from Your designated checking account to the Payees You choose in accordance with this agreement. This agreement is in addition to the All-In-One Disclosures and other documents in effect governing Your account.

Services: You may perform the following services:
Pay bills, send gift checks, send a donation.

Service Limitation: The aforementioned services are limited as follows:

Service Fees 
There is no fee to use the Service, except for fees that may occur in accordance with our Schedule of Service Charges. The Schedule of Service Charges is available at https://www.SkyOne.org/assets/docs/FeeSchedule.pdf and you acknowledge receipt hereof.

How to Set Up Payees/Payments
Payees – If You want to add a new Payee, select the “Payee” tab located in the Service or speak to a member service representative.

The Financial Institution reserves the right to refuse the designation of a Payee for any reason.

Payments – You may add a new fixed payment to a Payee by accessing the service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the Service.

You may pay any Payee within the United States (including U.S. territories and APO’s / AEO’s).

We are not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information.

Payment Methods
The Service reserves the right to select the method in which to remit funds on Your behalf to Your Payee. These payment methods may include, but are not limited to an electronic payment (e.g. through ACH) or a laser draft payment (funds remitted to the Payee are deducted from Your Payment Account when the laser draft is presented to Us for payment).

Payment Cancellation Requests
You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the Service’s application. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted. Please refer to SkyOne Federal Credit Union’s All-in-One Account Disclosure for information on stop payment requirements and to SkyOne Federal Credit Union’s Schedule of Service Charges regarding any fees, as applicable.

Stop Payment Requests
The Service’s ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service also may not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If You desire to stop any payment that has already been processed, You must contact Member Services. Although the Service will make every effort to accommodate Your request, the Service will have no liability for failing to do so. We may also require you to present your stop payment request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in our Schedule of Service Charges.

Exception Payments
Tax payments and court ordered payments may be scheduled through the Service, however such payments are discouraged and must be scheduled at Your own risk. In no event shall the Service be liable for any claims or damages resulting from Your scheduling of these types of payments. The Service has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, misposted or misdirected payments will be the sole responsibility of You and not of the Service.

The Bill Paying Process
Single Payments – a single payment will be processed on the Business Day that You designate as the payment’s processing date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, which is controlled by Us, is currently 4 p.m. EST.

A single payment submitted after the cut-off time on the designated process date will be processed on the next Business Day. If You designate a non-Business Day as the payment’s processing date, the payment will be processed on the first Business Day following the designated processing date.

Recurring Payments – When a recurring payment is processed, it is automatically rescheduled by the system. Based upon Your selected frequency settings for the payment, a processing date is calculated for the next occurrence of the payment. If the calculated processing date is a non-Business Day, it is adjusted based upon the following rules:

• If the recurring payment’s “Pay Before” option is selected, the processing date for the new occurrence of the payment is adjusted to the first Business Day prior to the calculated processing date.
• If the recurring payment’s “Pay After” option is selected, the processing date for the new occurrence of the payment is adjusted to the first Business Day after the calculated processing date.

Note: If Your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing date, then the last calendar day of that month is used as the calculated processing date.

Single and Recurring Payments
The system will calculate the Estimated Arrival Date of Your payment. This is only an estimate, so please allow ample time for Your payments to reach Your Payees.

Cancelling a Payment
A bill payment can be changed or cancelled anytime prior to the cutoff time on the scheduled processing date.

If you told us in advance to make regular payments our of your account, you can stop any of these payments. Here’s how: Call us at 800.421.7111 or write us 14600 Aviation Blvd., Hawthorne, CA 90250 in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. If you order us to stop one of these regular payments 3 business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.

Available Funds
Our policy is to make funds from Your cash and check deposits available to You on the first business day after the day we receive Your deposit. Electronic direct deposits will be available on the day We receive the deposit. Once the funds are available, You can withdraw them in cash and we will use them to pay checks that You have written.

For determining the availability of Your deposits, every day is a Business Day, except Saturdays, Sundays, and federal holidays. If You make a deposit before close of business on a Business Day that we are open, we will consider that day to be the day of Your deposit. However, if You make a deposit after close of business or on a day We are not open, We will consider that the deposit was made on the next Business Day We are open. Please refer to our Truth in Savings disclosure at https://www.SkyOne.org/become_member/terms_conditions.htm#regularsavings.

Liability
You are solely responsible for controlling the safekeeping of and access to Your Password.

If You want to terminate another person’s authority to use the Service, You must notify Us and arrange to change Your Password.

You will be responsible for any bill payment request You make that contains an error or is a duplicate of another bill payment.

We are not responsible for a bill payment that is not made if You did not properly follow the instructions for making a bill payment.

We are not liable for any failure to make a bill payment if You fail to promptly notify Us after You learn that You have not received credit from a Payee for a bill payment.

We are not responsible for Your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be Our agent.

Failed or Returned Transactions
In using the Service, You are requesting the Service to make payments for You from Your Payment Account. If We are unable to complete the transaction for any reason associated with Your Payment Account (for example, there are insufficient funds in Your Payment Account to cover the transaction), the transaction will not be completed. In some instances, You will receive a return notice from the Service. In such case, you agree that:

1. You will reimburse the Service immediately upon demand the transaction amount that has been returned to the Service;
2. For any amount not reimbursed to the Service within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly interest or the maximum, whichever rate is lower, for any unpaid amounts may be imposed;
3. You will reimburse the Service for any fees imposed by your financial institution as a result of the return;
4. You will reimburse the Service for any fees it incurs in attempting to collect the amount of the return from you; and,
5. The Service is authorized to report the facts concerning the return to any credit reporting agency based on applicable reporting requirements.

Address or Banking Changes
It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made either within the application or by contacting Member Services. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information.

Returned Payments
In using the Service, You understand that Payees and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Payee’s forwarding address expired; Payee account number is not valid; Payee is unable to locate account; or Payee account is paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Payee, or void the payment and credit Your Payment Account. You may receive notification from the Service in the event of a payment being returned.

Amendment
We have the right to change this agreement at any time without notice unless required by applicable law.

Our Liability
We will use commercially reasonable efforts to post your transaction/instruction properly to the account indicated when you use the Service properly and comply with these Terms and Conditions. If we do not complete a transfer to or from your account, on time or in the correct amount according to our agreement with you, we will be liable for your related losses or damages. However, we shall incur no liability if we are unable to complete a transaction/instruction initiated by you through the Service due to one or more of the following circumstances:

• Your error
• Your failure to comply with these Terms and Conditions or the underlying account agreement and disclosure
• If the The Service equipment or software was not working properly and you knew about the malfunction when you started the transaction
• You have not provided complete or correct information
• If, through no fault of ours, you do not have enough money in your account to make the transfer
• If the transfer would go over the credit limit on your line of credit loan
• If the Automated Teller Machine where you are making the transfer does not have enough cash
• If the terminal was not working properly and you knew about the breakdown when you started the transfer
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken
• There may be other exceptions stated in our agreement with you

Telephone Number and Address in Event of an Unauthorized Transaction or Questions
If you believe your mobile device has been lost or stolen or that someone will or may use it to access your account without your permission call us at 800.421.7111, write us at: SKYONE FEDERAL CREDIT UNION, P.O. Box 5003, Hawthorne, CA 90250, or visit any SkyOne Federal Credit Union branch, or send us a secure e-mail.

Liability for Unauthorized Use—Mobile Banking Transactions
Tell us AT ONCE If you believe that your personal access code has been lost, stolen, or discovered by an unauthorized person. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit, if applicable). If you tell us within two business days of your discovery, you can lose no more than $50 if someone used your personal access code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your access code, and we can prove that we could have stopped someone from using your access code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

If you authorize someone else to use your personal access code, you are responsible for all transactions which that person initiates at any time, even if the amount of the transaction or number of transactions exceeds what you authorized.

Confidentiality
We will disclose information to third parties about your account or the transfers you make only when one of the following conditions exists:

• When necessary to complete a transaction requested by you
• In order to verify the existence and status of your account(s), such as for a retail merchant or credit reporting agency
• In order to comply with government agencies or court orders
• If you give us written permission

Documentation 
You will receive monthly account statements. You may elect to receive your monthly statements electronically through our eStatements service. With eStatements, your monthly account statements will be available for you to view and print within our Online Banking system. We will send you an email message monthly to notify you when your statements are available.

In Case of Errors or Questions About Your Electronic Funds Transfers 
Telephone us at 800.421.7111 or write us at SkyOne Federal Credit Union, 14600 Aviation Blvd., Hawthorne, CA 90250, as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transaction listed on your statement or transaction receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

In order to help you with your questions, we will need the following information:

• Your name, account number, and transaction date in question
• The error or transfer you are unsure about, and why you believe there is an error or why you need more information
• The dollar amount of the suspect transaction

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days (90 calendar days if the transfer involved a new account, a point-of-sale transaction, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Business Days 
For purposes of this disclosure, our business days are Monday through Friday, excluding federal holidays.

You agree not to and you agree to ensure that you do not use The Service or the content or information delivered through The Service in any way that would (a) infringe any third party copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy; (b) be fraudulent or involve gambling, involve the sale of counterfeit or stolen items or use The Service to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation; (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or cause us to lose (in whole or in part) the services of any third party providers; (f) be defamatory, trade libelous, threatening or harassing (g) may potentially be perceived as obscene or pornographic or contain child pornography or racially, ethnically or otherwise objectionable; (h) interfere with or disrupt computer networks or infect the computer networks with viruses; (i) interfere with or disrupt the use of The Service by any other party; (j) use The Service in any manner to gain unauthorized entry or access into our computer systems; or (k) resell or make any commercial use of The Service.

Indemnification
You agree to indemnify, defend, and hold us and our employees harmless (by counsel of our choosing) from and against every claim, demand, action, cost, loss, liability, cause of action of third parties, and expenses (including without limitation attorneys’ fees) relating to our provision of or your use of any of The Service which we incur by (a) acting in accordance with this The Service Terms and Conditions Agreement or as a result of your failure to abide by its terms, (b) your breach of any representation or warranty herein, (c) the willful misconduct, fraud, criminal activity, intentional tort or negligence of you or any of your representatives involving use of The Service; (d) the actions, omissions or commissions of you; and (e) any transmission or instruction, whether or not authorized, acted upon by us in good faith. This paragraph shall survive termination of this Agreement.

Our Liabilities:

Our Performance
You acknowledge and agree that we shall not be liable for any damages or loss of any kind resulting from any unintentional error or omission by us in performing The Service, in accordance with or unintentional deviation from the terms and conditions of this Agreement, including exhibits or addenda. You acknowledge that our systems and procedures established for providing The Service are commercially reasonable. Maintenance of The Service or any related services may be performed from time-to-time resulting in interrupted service, delays or errors in The Service or related services. Attempts to provide prior notice of scheduled maintenance will be made, but we cannot guarantee that such notice will be provided. Neither we nor our service providers can always foresee or anticipate technical or other difficulties related to access to or use of the Services. These difficulties may result in loss of data, personalization settings, or other interruptions. Therefore, we shall not be responsible for the timeliness, deletion, misdelivery, or failure to store any user data, communications, or personalization settings in connection with your use of the Services. Further, we shall not be responsible for the operation, security, functionality, or availability of any Wireless Device or mobile network, which you utilize to access the Services.

You agree to exercise caution when utilizing the Services on your Personal Computer or Wireless Device and to use good judgment and discretion when obtaining or transmitting information.

Financial information shown on your Personal Computer or Wireless Device while using the Services reflects the most recent account information available to us, but it may not be current. You agree that we shall not be liable for any delays in the content, or for any actions you take in reliance thereon. If you need current account information you agree to contact us directly.

UNLESS OTHERWISE REQUIRED BY LAW, WE SHALL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED BY THE SERVICE. NOR SHALL WE BE RESPONSIBLE FOR ANY LATE FEES, INDIRECT OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OR MAINTENANCE OF THE SERVICE. OUR LIABILITY SHALL BE LIMITED TO DIRECT DAMAGES SUSTAINED BY YOU AND ONLY TO THE EXTENT SUCH DAMAGES ARE A DIRECT RESULT OF OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, PROVIDED THAT THE MAXIMUM AGGREGATE LIABILITY OF US RESULTING FROM ANY SUCH CLAIMS SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU FOR THE SERVICE RESULTING IN SUCH LIABILITY IN THE TWO MONTH PERIOD PRECEDING THE DATE THE CLAIM ACCRUED.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE OR WARRANTIES OF MERCHANTABILITY OR NON-INFRINGEMENT. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE DISCLAIM ANY WARRANTIES REGARDING THE OPERATION, PERFORMANCE OR FUNCTIONALITY OF THE SERVICE (INCLUDING WITHOUT LIMITATION THAT THE SERVICE WILL OPERATE WITHOUT INTERRUPTION OR BE ERROR FREE).

Financial Responsibility
You are, and shall remain, solely and exclusively responsible for any and all financial risks, including, without limitation, insufficient funds, associated with using The Service. We shall not be liable in any manner for such risk unless we fail to follow the procedures described in materials for use of The Service. You assume exclusive responsibility for the consequences of any instructions you may give to us, for your failure to access The Service properly in a manner prescribed by us, and for your failure to supply accurate input information, including, without limitation, any information contained in an application.

Member’s Duty to Report Errors
You shall notify us of any errors, omissions, or interruptions in, or delay or unavailability of, The Service or a breach of security procedures as promptly as practicable, and in any event within one business day after the earliest of discovery thereof.

Account Reconciliation
You will verify and reconcile any out-of-balance condition, and promptly notify us of any errors (exclusive of weekends and applicable holidays) within 60 days after receipt of your statement from us. If notified within such period, we shall correct and resubmit all erroneous files, reports, and other data at our then standard charges, or at no charge, if the erroneous report or other data directly resulted from our error.

The Service is offered as a convenience to you and is included within our Internet Banking services.
We are entitled to act upon instructions we receive under your User ID and Password and you are liable for all transactions made or authorized with the use of your User ID and Password. We have no responsibility for establishing the identity of any person who uses your User ID and Password. You agree that if you give your User ID and Password to anyone or fail to safeguard its secrecy, you do so at your own risk.

By directing us in conjunction with your User ID and Password, you authorize us to complete the transaction. Any requests or instructions we receive from you through the Service constitute writings with your signature as provided under all applicable law, and shall have the same force and effect as a writing signed by you.

Your access to Service will be blocked in the event your User ID and Password are entered incorrectly on 3 consecutive attempts. If this happens, please call us at 800.421.7111.

Your Failure to comply with these Terms and Conditions will result in you no longer being allowed to use the Service.

You understand the importance of your role in preventing misuse of your accounts through the Service and you agree to promptly examine your statement for each of your accounts as soon as you receive it.

You agree to protect the confidentiality of your account and account number, and your personal identification information. Notwithstanding our efforts to insure that the Service is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing the Service or e-mail transmitted to and from us, will not be monitored or read by others.

The Service is not intended to replace access to iSky Online Banking from your computer or other methods you use to manage your accounts. You should review and follow usage instructions provided on our website. You agree to accept responsibility for learning how to use The Service in accordance with the instructions. We may modify The Service and any related services at any time. In the event of a modification, you are responsible for making sure that you understand how to use The Service. We are not liable to you for any losses caused by your failure to properly use The Service.
integrity, security, reputation, or operation.

Enforcement
You authorize us to deduct any liability, loss, or expense incurred by us resulting from any dispute involving your accounts or services from your account without prior notice to you.

Service Cancellation
The Service may only be cancelled by cancelling iSky Online Banking. You may cancel iSky Online Banking by calling us at 800.421.7111 or visiting any SkyOne Federal Credit Union branch. After cancelling iSky Online Banking, you may not access The Service. However, we may (but are not obligated to) immediately discontinue making previously authorized transfers or payments set up by you. You may reestablish The Service access at any time after cancelling provided you meet the terms and conditions noted above.

We reserve the right to cancel your The Service in whole or in part, at any time with or without cause and without prior written notice. We also reserve the right to temporarily suspend The Service access, at our sole and absolute discretion, including when we believe a breach of system security has occurred or is being attempted. Cancellation of The Service does not affect your obligations under this Agreement for transactions that have been or will be processed on your behalf. You will remain responsible for all outstanding fees and charges incurred prior to the date of termination. Termination will apply only to The Service and does not terminate your other relationships with us. In addition, you will keep your account(s) with us open until final payment with respect to all outstanding items, and will maintain funds in such account(s) in amounts and for a period of time determined by us in our reasonable discretion to cover any outstanding checks and your obligations for returns of checks, warranty claims, fees and other obligations.

If any such liabilities exceed the amount in the applicable account, we may charge such excess against any of your other accounts with us, and you will pay immediately upon demand to us any amount remaining unpaid.

Mobile Banking

SkyOne Federal Credit Union maintains iSky Mobile^® as a service to our members. This iSky Mobile Banking Terms and Conditions Agreement (“Agreement”) governs use of SkyOne Federal Credit Union’s iSky Mobile Banking. Please read this Agreement carefully. Print or save a copy of this Agreement and retain it for your records.

“We, Our, Us” mean SkyOne Federal Credit Union. “You” or “Your” means each member authorized to use the iSky Mobile Banking service.

By accessing iSky Mobile Banking or using any related services, including new services when they become available, you agree to comply with the terms in this Agreement. This Agreement may be amended or modified at any time by us without specific notice to you unless required by applicable law. In addition to this Agreement, you agree to be bound by and will comply with the applicable disclosures concerning your account.

Use of iSky Mobile Banking
iSky Mobile Banking is not intended to replace access to iSky Online Banking from your computer or other methods you use to manage your accounts. You should review and follow usage instructions provided on our website. You agree to accept responsibility for learning how to use iSky Mobile Banking in accordance with the instructions. We may modify iSky Mobile Banking and any related services at any time. In the event of a modification, you are responsible for making sure that you understand how to use iSky Mobile Banking. We are not liable to you for any losses caused by your failure to properly use iSky Mobile Banking.

Enforcement
You authorize us to deduct any liability, loss, or expense incurred by us resulting from any dispute involving your accounts or services from your account without prior notice to you.

Service Cancellation
Your iSky Mobile Banking may only be cancelled by cancelling iSky Online Banking. You may cancel iSky Online Banking by calling us at 800.421.7111 or visiting any SkyOne Federal Credit Union branch. After cancelling iSky Online Banking, you may not access iSky Mobile Banking. However, we may (but are not obligated to) immediately discontinue making previously authorized transfers or payments set up by you. You may reestablish iSky Mobile Banking access at any time after cancelling provided you meet the terms and conditions noted above.

We reserve the right to cancel your iSky Mobile Banking in whole or in part, at any time with or without cause and without prior written notice. We also reserve the right to temporarily suspend iSky Mobile Banking access, at our sole and absolute discretion, including when we believe a breach of system security has occurred or is being attempted. Cancellation of iSky Mobile Banking does not affect your obligations under this Agreement for transactions that have been or will be processed on your behalf. You will remain responsible for all outstanding fees and charges incurred prior to the date of termination. Termination will apply only to iSky Mobile Banking and does not terminate your other relationships with us. In addition, you will keep your account(s) with us open until final payment with respect to all outstanding items, and will maintain funds in such account(s) in amounts and for a period of time determined by us in our reasonable discretion to cover any outstanding checks and your obligations for returns of checks, warranty claims, fees and other obligations.

If any such liabilities exceed the amount in the applicable account, we may charge such excess against any of your other accounts with us, and you will pay immediately upon demand to us any amount remaining unpaid.

iSky Mobile Banking Services
We have the right, from time to time, to introduce, remove, modify or replace iSky Mobile Banking features or services without notice.

You are solely responsible for any mobile phone or text messaging charges, internet access fees, and other fees and expenses you incur by accessing your account through iSky Mobile Banking. Check with your specific mobile phone service provider for more information on their fees.

Security
Once you have registered for iSky Mobile Banking, your mobile device may be used to obtain information about your accounts and make transfers between your accounts. You are responsible for maintaining the security of your mobile device and, except as otherwise provided in this Agreement, you are responsible for all transfers made using your mobile device. Although iSky Mobile Banking will not display the full account number for any of your accounts, it will display other sensitive information about your accounts, including balances and transfer amounts. Anyone with access to your mobile device may be able to view this information. We are not liable for any damages or disclosure of information to third parties due to your inability to ensure the safety, security and integrity of your account and transactions when using iSky Mobile Banking.

You further understand the importance of your role in preventing misuse of your accounts through the iSky Mobile Banking and you agree to promptly examine your statement for each of your accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information.

Notwithstanding our efforts to insure that iSky Mobile Banking is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing iSky Mobile Banking or e-mail transmitted to and from us, will not be monitored or read by others.

You may perform the following transactions using iSky Mobile Banking:

• Get account information
• Transfer funds
• Make bill payments
• Deposit checks

Transaction Limitations
iSky Mobile Banking transfers from Savings and Money Market accounts are subject to the Transaction Limitations per Federal Regulation D outlined in the Savings/  Money Market Account Truth-In-Savings Disclosure, which generally limit pre-authorized transfers, automatic transfers, telephone transfers, iSky Online Banking transfers or transfers made by check, draft, debit card, or similar order payable to a third party to six per calendar month.

Limits for Bill Payment, P2P, and Mobile Deposit are based upon your relationship with us and are displayed on your mobile device.

Our Liability
We will use commercially reasonable efforts to post your transaction/instruction properly to the account indicated when you use iSky Mobile Banking properly and comply with these Terms and Conditions. If we do not complete a transfer to or from your account, on time or in the correct amount according to our agreement with you, we will be liable for your related losses or damages. However, we shall incur no liability if we are unable to complete a transaction/instruction initiated by you through iSky Mobile Banking due to one or more of the following circumstances:

• Your error.
• Your failure to comply with these Terms and Conditions or the underlying account agreement and disclosure.
• If the iSky Mobile Banking equipment or software was not working properly and you knew about the malfunction when you started the transaction.
• You have not provided complete or correct information if, through no fault of ours, you do not have enough money in your account to make the transfer
• If the transfer would go over the credit limit on your line of credit loan
• If the Automated Teller Machine where you are making the transfer does not have enough cash
• If the terminal was not working properly and you knew about the breakdown when you started the transfer
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken
• There may be other exceptions stated in our agreement with you

Access
Your mobile phone must be text messaging-enabled or must have the ability to download an iSky Mobile Banking application or access the Internet. You may access your account and other services through iSky Mobile Banking seven days a week, 24 hours a day. However, at certain times, some or all of iSky Mobile Banking may not be available due to technical problems and/or routine maintenance.

We do not guarantee that your mobile phone/mobile service plan (equipment) will be compatible with our iSky Mobile Banking. You are responsible for understanding the operation and maintenance of your equipment. We are not responsible for any errors or failures related to your equipment.

Mobile phones with Internet capabilities are susceptible to viruses. You are responsible for making sure your equipment is protected from and free of viruses, worms, Trojan horses, or other harmful components which could result in damage to programs, files, phones, or could result in interception of information by a third party. We are not responsible for or liable for any indirect, incidental, special, or consequential damages that may result from harmful hardware or software components on equipment or liable if sensitive information accessed via iSky Mobile Banking is intercepted by a third party.

We are not responsible for errors, delays, or inability to access iSky Mobile Banking caused by your equipment. We are not responsible for the cost of upgrading your equipment to stay current with iSky Mobile Banking nor are we responsible under any circumstances for any damage to your equipment.

You agree to comply with all applicable laws, rules and regulations in relation with iSky Mobile Banking. We make no representation that content or use of iSky Mobile Banking is available for use in locations outside the United States. Accessing from locations outside of the United States is at your own risk.

Activation
Your iSky Mobile Banking will be activated only after successful authentication of your mobile phone and/or mobile phone number. The decision to require multiple authentication methods is strictly at our discretion.

Location Information
When you use location-enabled iSky Mobile Banking, we may collect and process information about your actual location, like GPS signals sent by a mobile device. We may use location information we collect in order to protect against actual or potential fraud.

SMS iSky Mobile Banking Service
Your use of SMS iSky Mobile Banking (“SMS”) constitutes your agreement to these terms and conditions. You agree to provide us with a valid mobile number. You agree that we may send you text messages through your wireless provider. We do not currently charge for SMS. You understand that balances provided may not include recent or pending transactions that have not yet posted to your account and that other restrictions may apply. See your account agreement for more information. Notify us immediately if you lose, cancel or make any changes to your registered device. In case of unauthorized access to your device or SMS, you agree to cancel enrollment associated with the device immediately.

You agree to indemnify, defend, and hold us harmless from any third party claims, liability, damages or costs arising from your use of SMS or from you providing us with a phone number that is not your own. You agree that we will not be liable for failed, delayed, or misdirected delivery of, any information sent through SMS; any errors in such information; any action you may or may not take in reliance on the information or SMS; or any disclosure of account information to third parties resulting from your use of SMS.

You have the right to withdraw this consent and cancel SMS at any time by texting the word “STOP” from your registered mobile device.

Mobile Banking is offered as a convenience to you and is included within our Internet Banking services.  Mobile Banking is not a replacement to Internet Banking from your personal computer.
We are entitled to act upon instructions we receive under your User ID and Password and you are liable for all transactions made or authorized with the use of your User ID and Password.  We have no responsibility for establishing the identity of any person who uses your User ID and Password.  You agree that if you give your User ID and Password to anyone or fail to safeguard its secrecy, you do so at your own risk.

By directing us in conjunction with your User ID and Password, you authorize us to complete the transaction.  Any requests or instructions we receive from you through the Service constitute writings with your signature as provided under all applicable law, and shall have the same force and effect as a writing signed by you.

Your access to Service will be blocked in the event your User ID and Password are entered incorrectly on 3 consecutive attempts.  If this happens, please call us at 310.421.7111.Your Failure to comply with these Terms and Conditions will result in you no longer being allowed to use the Service.

You understand the importance of your role in preventing misuse of your accounts through the Service and you agree to promptly examine your statement for each of your accounts as soon as you receive it.  You agree to protect the confidentiality of your account and account number, and your personal identification information. Notwithstanding our efforts to insure that the Service is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others.  We cannot and do not warrant that all data transfers utilizing the Service or e-mail transmitted to and from us, will not be monitored or read by others.

iSky MOBILE DEPOSIT

By using iSky Mobile Deposit (“iSky Mobile Deposit”) offered by SkyOne Federal Credit Union, you and any joint owners or authorized users, jointly and severally, agree to the terms of this Agreement, including the following terms and conditions:

iSky Mobile Deposit Capture Process
You will scan checks or drafts (“items”) with an image capture device creating an electronic image and you will transmit an electronic file of such electronic images that we will deposit to your account. Our processing agent shall perform an image quality assessment of scanned items and shall convert items meeting our required standards into substitute checks, as such term is defined in the Check Clearing for the 21st Century Act (“Check 21”) and Federal Reserve Board Regulation CC, to facilitate the deposit and collection of such items. You agree to be bound by any clearinghouse agreements, operating circulars and image exchange agreements to which we are a party.

Funds Availability
You agree that items transmitted using iSky Mobile Deposit may be subject to a two business day (exclusive of weekends and federal holidays) check hold at the time of deposit. If it is necessary to extend the check hold longer than 2 business days, we will  notify you when the funds will be available. They will generally be available no later than the seventh (7th) business day after the day of your deposit. In certain circumstances, we may make all or a portion of your funds available immediately. You can review your available balance Online or through iSky Mobile Banking to determine if a check hold was placed. Acknowledgment of receipt or delivery does not constitute an acknowledgment by us that the transmission of an item does not contain errors.

Deposit Limits
We may establish limits on iSky Mobile Deposit dollar amount and/or number of items or deposits from time to time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. The current daily dollar limit is displayed on the mobile device, and is subject to change. There is no daily statement cycle limit on the number of items, as long as the respective dollar limits are not exceeded.

Processing Account
You will designate your savings or checking account as the processing account to be used for the purposes of crediting, in aggregate, the financial transactions requested in connection with iSky Mobile Deposit. Certain accounts are not eligible as processing accounts. We shall provide you with details of the specific transactions, reported similarly as other transactions may be done, that were a result of using iSky Mobile Deposit.

Responsibility for Scanning
You are solely responsible for scanning deposit items and accessing iSky Mobile Deposit from us.

Deposit Requirements
You agree that you will only use iSky Mobile Deposit to deposit checks drawn on financial institutions within the United States, excluding its territories. Checks drawn on foreign financial institutions are not eligible. You will deposit checks not falling within these requirements in person, using a night drop facility or by U.S. Mail. You agree that each check you submit for deposit through iSky Mobile Deposit will meet the image quality standards established in American National Standards Institute’s standard. Your endorsement must include your signature and the words “For mobile deposit at SkyOne”.  All checks need to be signed by the designated payee (e.g. by you or the joint owner on the account).  Failure to endorse the check properly will result in the reversal of the deposit.

Check Retention & Destruction
You agree that all items belong to you and not to us and that those items shall be handled in accordance with this Agreement. Your electronic transmission is subject to proof and verification. You shall retain the original of all imaged items that have been deposited via iSky Mobile Deposit for a reasonable period of time in order to verify reconciliation and credit or to balance periodic statements, but in no case beyond seven (7) days from the date processed, and shall properly destroy and dispose of such original checks after such time. During the period that you maintain the original checks, you understand and agree that you must use a high degree of care to protect these original checks against security risks. These risks include, without limitation, (i) theft or reproduction of the original checks for purposes of presentment for deposit of these original checks (i.e., after the original checks have already been presented for deposit via iSky Mobile Deposit) and (ii) unauthorized use of information derived from the original checks. You understand and agree that you must use a high degree of care when selecting and implementing destruction and disposal procedures for the original checks. Among other things, these procedures must be designed to ensure that the original checks are not accessed by unauthorized persons during the destruction and disposal process (e.g., through the use of competent shredding equipment) and, once destroyed, the original checks are no longer readable or capable of being reconstructed.

Presentment Prohibitions
You shall not present, or attempt to present, or allow others, either directly or indirectly, to present, or attempt to present, for deposit by any means (i) any substitute check that has already been presented for deposit via iSky Mobile Deposit, or (ii) any original check, the substitute check of which has already been presented for deposit via iSky Mobile Deposit. In the event that you or any third party, presents, or attempts to present, a deposit in violation of this Subsection, you agree to defend, indemnify, and hold us and our agents harmless from and against all liability, damage and loss arising out of any claims, suits, or demands brought by third parties with respect to any such substitute check or original check. You agree that the aggregate amount of any items which are deposited more than once will be debited from your account, and to the extent funds in your account are insufficient to cover such amount, any balance shall be debited by us from any other deposit accounts with us in our sole discretion. You further acknowledge that you and not us are responsible for the processing and handling of any original items which are imaged and deposited utilizing iSky Mobile Deposit and you assume all liability to the drawer of any item imaged using iSky Mobile Deposit or liability arising from our printing of any substitute check from those images. Violation of these presentment prohibitions may result in the immediate closure of your iSky account and the termination of your with membership with SkyOne Federal Credit Union.

Rejection of Deposit
You understand that you are solely responsible for any service charges, overdraft charges, late fees, and returned check/non-sufficient funds charges levied against you, your account, or any accounts you may have at other financial institutions that may result from our rejection of any item, check holds, or deposit delays of any kind. You understand that if an item you transmit to us for deposit is rejected, we will send an email to you at the email address we have on file for your account to alert you of the rejection within 2 business days of the date we receive the original transmission of your item. Should the email be returned as undeliverable, we will have completed our obligation to alert you and therefore, we are under no further obligation to attempt any redelivery of the email. Further, you understand that we are not responsible if, for any reason, you do not receive our email. You agree that if you wish to attempt to deposit any rejected item again, you only will do so by depositing the original item on which the rejected item is based. You acknowledge and agree that even if we do not initially identify an electronic image as a rejected item, the substitute check created by us there from may nevertheless be returned to us because, among other reasons, the electronic image is deemed illegible by a paying bank.

Your Representations and Warranties

You represent and warrant:

i.   that you will comply with all applicable federal and state laws, and rules and regulations , including those of the National Automated Clearing House for ACH transactions;
ii.   that all checks scanned through iSky Mobile Deposit are made payable to you or to a designated owner on the account;
iii.   that all signatures on each check are authentic and authorized; and
iv.   that each check has not been altered.
v.    that each check has only been deposited once through iSky Mobile banking

You further authorize us to charge your account for the amount of any such demand, claim or suit that constitutes a breach of warranty claim under the provisions of the Uniform Commercial Code.

Financial Responsibility
You are, and shall remain, solely and exclusively responsible for any and all financial risks, including, without limitation, insufficient funds, associated with using iSky Mobile Deposit. We shall not be liable in any manner for such risk unless we fail to follow the procedures described in materials for use of iSky Mobile Deposit. You assume exclusive responsibility for the consequences of any instructions you may give to us, for your failure to access iSky Mobile Deposit properly in a manner prescribed by us, and for your failure to supply accurate input information, including, without limitation, any information contained in an application.

Member’s Duty to Report Errors
You shall notify us of any errors, omissions, or interruptions in, or delay or unavailability of, iSky Mobile Deposit or a breach of security procedures as promptly as practicable, and in any event within one business day after the earliest of discovery thereof.

Account Reconciliation
You will verify and reconcile any out-of-balance condition, and promptly notify us of any errors (exclusive of weekends and applicable holidays) within 60 days after receipt of your statement from us. If notified within such period, we shall correct and resubmit all erroneous files, reports, and other data at our then standard charges, or at no charge, if the erroneous report or other data directly resulted from our error.

Our Obligations:

Financial Data
We agree to transmit all the financial data under our control required to utilize iSky Mobile Deposit and to act on appropriate instructions received from you in connection with iSky Mobile Deposit. We shall exercise due care in seeking both to preserve the confidentiality of your number, password, test key, or other code or identifier and to prevent the use of iSky Mobile Deposit by unauthorized persons (and in this connection it is understood and agreed that implementation by us of our normal procedures for maintaining the confidentiality of information relating to our members, shall constitute due care) but shall not otherwise be under any liability of any kind for any loss incurred or damage suffered by you by reason of any misuse or unauthorized use of iSky Mobile Deposit or disclosure of any confidential information of yours.

Exception Items
When we review and process your electronic check, we may reject any electronic image that we, in our sole discretion, determine to be ineligible for iSky Mobile Deposit including, without limitation, items drawn on U.S. Banks in foreign currency, electronic images that are illegible, electronic images of items previously processed or converted to substitute checks, and electronic images with unreadable MICR information. We will notify you of any Exception Items. You agree that you shall only deposit Exception Items to your accounts by depositing the original item on which the Exception Item is based. You acknowledge and agree that even if we do not initially identify an electronic image as an Exception Item, the substitute check created by us there from may nevertheless be returned to us because, among other reasons, the electronic image is deemed illegible by a paying bank. Our failure to identify an Exception Item shall not preclude or limit the obligation of you to us.

Hardware and Software
In order to use iSky Mobile Deposit, you must obtain and maintain, at your expense, compatible hardware and software as specified by us from time to time. See our website for current hardware and software specifications. We are not responsible for any third party software you may need to use iSky Mobile Deposit. Any such software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at time of download and installation.

Service Warranty
You understand and agree that you are responsible, to the extent permitted by law, for all warranties and indemnifications set forth in Check 21 applying to any Reconverting Credit Union and Truncating Credit Union, as such terms are defined by Check 21, including, without limitation, the obligation to only convert an original check that allows for the creation of a substitute check that clearly and accurately represents the information on the front and back of the original check. We and our agents may, but shall have no obligation, to screen items or substitute checks for legal compliance.

Our Liabilities:

Our Performance
You acknowledge and agree that we shall not be liable for any damages or loss of any kind resulting from any unintentional error or omission by us in performing iSky Mobile Deposit, in accordance with or unintentional deviation from the terms and conditions of this Agreement, including exhibits or addenda. You acknowledge that our systems and procedures established for providing iSky Mobile Deposit are commercially reasonable. Maintenance of iSky Mobile Deposit or any related services may be performed from time-to-time resulting in interrupted service, delays or errors in iSky Mobile Deposit or related services. Attempts to provide prior notice of scheduled maintenance will be made, but we cannot guarantee that such notice will be provided. Neither we nor our service providers can always foresee or anticipate technical or other difficulties related to access to or use of the Services.  These difficulties may result in loss of data, personalization settings, or other interruptions.  Therefore, we shall not be responsible for the timeliness, deletion, misdelivery, or failure to store any user data, communications, or personalization settings in connection with your use of the Services.  Further, we shall not be responsible for the operation, security, functionality, or availability of any Wireless Device or mobile network, which you utilize to access the Services.

You agree to exercise caution when utilizing the Services on your Personal Computer or Wireless Device and to use good judgment and discretion when obtaining or transmitting information.
Financial information shown on your Personal Computer or Wireless Device while using the Services reflects the most recent account information available to us, but it may not be current.  You agree that we shall not be liable for any delays in the content, or for any actions you take in reliance thereon.  If you need current account information you agree to contact us directly.

UNLESS OTHERWISE REQUIRED BY LAW, WE SHALL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED BY ISKY MOBILE BANKING. NOR SHALL WE BE RESPONSIBLE FOR ANY LATE FEES, INDIRECT OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OR MAINTENANCE OF ISKY MOBILE BANKING. OUR LIABILITY SHALL BE LIMITED TO DIRECT DAMAGES SUSTAINED BY YOU AND ONLY TO THE EXTENT SUCH DAMAGES ARE A DIRECT RESULT OF OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, PROVIDED THAT THE MAXIMUM AGGREGATE LIABILITY OF US RESULTING FROM ANY SUCH CLAIMS SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU FOR ISKY MOBILE BANKING RESULTING IN SUCH LIABILITY IN THE TWO MONTH PERIOD PRECEDING THE DATE THE CLAIM ACCRUED.

ISKY MOBILE BANKING IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE OR WARRANTIES OF MERCHANTABILITY OR NON-INFRINGEMENT. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE DISCLAIM ANY WARRANTIES REGARDING THE OPERATION, PERFORMANCE OR FUNCTIONALITY OF ISKY MOBILE BANKING (INCLUDING WITHOUT LIMITATION THAT ISKY MOBILE BANKING WILL OPERATE WITHOUT INTERRUPTION OR BE ERROR FREE).

Force Majeure
We shall not be responsible for liability, loss or damage of any kind resulting from any delay in the performance of or any failure to perform our responsibilities hereunder due to causes beyond our reasonable control.

User Conduct
You agree not to and you agree to ensure that you do not use iSky Mobile Banking or the content or information delivered through iSky Mobile Banking in any way that would (a) infringe any third party copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy; (b) be fraudulent or involve gambling, involve the sale of counterfeit or stolen items or use iSky Mobile Banking to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation; (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or cause us to lose (in whole or in part) the services of any third party providers; (f) be defamatory, trade libelous, threatening or harassing (g) may potentially be perceived as obscene or pornographic or contain child pornography or racially, ethnically or otherwise objectionable; (h) interfere with or disrupt computer networks or infect the computer networks with viruses; (i) interfere with or disrupt the use of iSky Mobile Banking by any other party; (j) use iSky Mobile Banking in any manner to gain unauthorized entry or access into our computer systems; or (k) resell or make any commercial use of iSky Mobile Banking.

Indemnification
You agree to indemnify, defend, and hold us and our employees harmless (by counsel of our choosing) from and against every claim, demand, action, cost, loss, liability, cause of action of third parties, and expenses (including without limitation attorneys’ fees) relating to our provision of or your use of any of iSky Mobile Banking which we incur by (a) acting in accordance with this iSky Mobile Banking Terms and Conditions Agreement or as a result of your failure to abide by its terms, (b) your breach of any representation or warranty herein, (c) the willful misconduct, fraud, criminal activity, intentional tort or negligence of you or any of your representatives involving use of iSky Mobile Banking; (d) the actions, omissions or commissions of you; and (e) any transmission or instruction, whether or not authorized, acted upon by us in good faith. This paragraph shall survive termination of this Agreement.

Telephone Number and Address in Event of an Unauthorized Transaction or Questions
If you believe your mobile device has been lost or stolen or that someone will or may use it to access your account without your permission call us at 800.421.7111, write us at: SkyOne Federal Credit Union, P.O. Box 5003, Hawthorne, CA 90250, or visit any SkyOne Federal Credit Union branch, or send us a secure e-mail.

Liability for Unauthorized Use—Mobile Banking Transactions
Tell us AT ONCE If you believe that your personal access code has been lost, stolen, or discovered by an unauthorized person. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit, if applicable).  If you tell us within two business days of your discovery, you can lose no more than $50 if someone used your personal access code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your access code, and we can prove that we could have stopped someone from using your access code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

If you authorize someone else to use your personal access code, you are responsible for all transactions which that person initiates at any time, even if the amount of the transaction or number of transactions exceeds what you authorized.

Disputes
In the event of a dispute regarding iSky Mobile Banking, you and us agree to resolve the dispute by looking to this Agreement. You agree that any dispute that arises under this Agreement must be filed and litigated in Los Angeles County, California.

This Agreement is entered into and will be performed in California and all questions relating to its validity, interpretation, performance, and enforcement (including, without limitation, provisions concerning limitations of action), shall be governed by and construed in accordance with the internal laws of the State of California, notwithstanding any conflict-of-laws doctrines of such state or other jurisdiction to the contrary. You agree to submit to the personal jurisdiction of the courts of the State of California.

No Waiver
We shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by a Credit Union officer. No delay or omission on the part of us in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Entire Agreement
This Agreement contains the entire understanding between the parties hereto with respect to the subject matter hereof, and supersedes all prior and contemporaneous agreements and understandings, inducements, or conditions, express or implied, oral or written, except as herein contained. The express terms hereof control and supersede any course of performance or usage of the trade inconsistent with any of the terms hereof. You may not assign this Agreement to any other party.  We may assign this Agreement in our sole discretion.  We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

Notices
Except as otherwise expressly provided herein, we shall not be required to act upon any notice or instruction received from you or any other person, or to provide any notice or advice to you or any other person with respect to any matter.

Confidentiality
We will disclose information to third parties about your account or the transfers you make only when one of the following conditions exists:

• When necessary to complete a transaction requested by you
• In order to verify the existence and status of your account(s), such as for a retail merchant or credit reporting agency
• In order to comply with government agencies or court orders
• If you give us written permission

Documentation

You will receive monthly account statements. You may elect to receive your monthly statements electronically through our eStatements service. With eStatements, your monthly account statements will be available for you to view and print within our Online Banking system. We will send you an email message monthly to notify you when your statements are available.

In Case of Errors or Questions About Your Electronic Funds Transfers

Telephone us at 800.421.7111 or write us at SkyOne Federal Credit Union, 14600 Aviation Blvd., Hawthorne, CA 90250, as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transaction listed on your statement or transaction receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

In order to help you with your questions, we will need the following information:

• Your name, account number, and transaction date in question
• The error or transfer you are unsure about, and why you believe there is an error or why you need more information
• The dollar amount of the suspect transaction

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days (90 calendar days if the transfer involved a new account, a point-of-sale transaction, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Business Days 
For purposes of this disclosure, our business days are Monday through Friday, excluding federal holidays.

Fees
We will charge you the fees for this service as disclosed to you on the accompanying fee schedule.

Terms of Use for Apple Pay

These Terms of Use govern your access, consent, and use of your SkyOne Federal Credit Union credit and debit card(s) when using the Apple Pay application and any related features and services offered through SkyOne Federal Credit Union a.k.a. SkyOne. A Mobile Card is also knows as a virtual card which is stored on your wireless mobile phone or device.  Apple Pay, Apple Pay Service & Mobile Card or Mobile Service are proprietary application(s) offered, administered, and maintained by Apple and are registered products, services and applications administered by Apple Inc., and not by SkyOne Federal Credit Union.  “You” and “Your” refer to you, the member.  “We” “Our” and “Us” refers to SkyOne Federal Credit Union.(Terms).

1. Apple Pay & Mobile Card Service a.k.a. THE SERVICE or Apple Pay Service.

Apple Pay is available for the purpose of purchasing goods and services with a compatible wireless mobile phone or device with merchants who accept Apple Pay as a form of payment. Apple Pay enables you to create and store virtual representations of your eligible SkyOne Federal Credit Union Cards and add account information on your supported device creating a Mobile Card that will permit you to use your Mobile Card to authorize and make payments at merchant’s point of sale (POS) terminals or readers without your plastic SkyOne Federal Credit Union Card. Your Mobile Card may not be accepted at all places where your SkyOne Federal Credit Union Card is accepted. The purchase transactions with your SkyOne Federal Credit Union Card as a Mobile Card will still be governed by your SkyOne Federal Credit Union Card Agreement as noted in  SkyOne’s All-in-One Account Disclosure for Debit Cards, and as noted in SkyOne’s Visa Disclosure for Credit Cards. Apple’s Terms & Conditions for the Service describe your rights and obligations regarding the Service.  Apple’s Terms & Conditions for the Service can be accessed athttp://www.apple.com/apple-pay/.

2. Eligibility & Enrollment

Only SkyOne Federal Credit Union Cards that we defined within this agreement are eligible and can be added as a Mobile Card. If your SkyOne Federal Credit Union Card or underlying account is not in compliance with the SkyOne Federal Credit Union Card Agreement as noted in  SkyOne’s All-in-One Account Disclosure for Debit Cards, and as noted in SkyOne’s Visa Disclosure for Credit Cards, that SkyOne Federal Credit Union Card will not be eligible to enroll as a Mobile Card. You can add an eligible SkyOne Federal Credit Union Card as a Mobile Card by registering the Card through Apple Pay by following the authentication and enrollment requirements provided by SkyOne Federal Credit Union on its website.  To add your Card to Apple Pay, you must register your Card through Apple Pay. You may be required to take additional steps to authenticate yourself before your Card is added to Apple Pay, including by providing additional identifying information. By adding your Card to Apple Pay, a unique numerical identifier different from your Card number (“Token”) will be added to the secure element of your Eligible Mobile Device, for the purpose of making purchases and receiving refunds through Apple Pay. If your physical plastic Card is lost or stolen, but your Eligible Mobile Device is not lost or stolen, upon receipt of your new physical plastic Card, and updating the new Card Number to Apple Pay, Apple Pay will automatically assign your new physical plastic Card to your existing Token.

3. Card & Service Responsibility
You are solely responsible for maintaining the security of your Apple User ID and password. If you share these credentials with any other person, you expressly authorize them to access your personal information, your accounts and use your Mobile Card. SkyOne Federal Credit Union is the not the provider of the Apple Pay and Mobile Card service, and we are not responsible for providing the service to you. We are only responsible for supplying information securely to the Apple Pay and Mobile Card provider to allow use of your SkyOne Federal Credit Union Card as a Mobile Card. We are not responsible for any failure of the Apple Pay and Mobile Card service, or the inability to use your Mobile Card for any transaction. We are not responsible for the performance or non-performance of these service providers or any other third parties regarding any agreement you enter into with SkyOne Federal Credit Union to use the Mobile Card.

4. Limitation of Liability.

SkyOne Federal Credit Union is not responsible for the service. You expressive acknowledge and agree that use of the service is at you sole risk, and SkyOne Federal Credit union is not responsible for the risk as to satisfactory quality, performance, accuracy and effort. With regard to the service, SkyOne Federal Credit Union makes no representations or warranties of any kind, including, without limitation, merchantability or the implied warranty of fitness for the particular purpose and related warranties and representations. No oral or written information or advice given by SkyOne Federal Credit Union will create a warranty not expressly stated in this agreement. Should the service prove defective, SkyOne Federal Credit Union assumes no liability for the costs of all necessary servicing, repair or correction.

5. Information Sharing & Privacy.

By enrolling and using Apple Pay and creating a Mobile Card, you authorize SkyOne Federal Credit Union to collect information from Apple to verify your identity and to enable you to use a Mobile Card and the Apple Pay service. You agree that we may share your information with Apple and Mobile Card service providers, payment networks, and others in order to provide the services you have requested, to make information available to you about your Mobile Card transactions. SkyOne Federal Credit Union will provide your information in accordance with SkyOne Federal Credit Union’s Privacy Policies. Apple and its service providers are contractually obligated to keep this information confidential. Your privacy and the security of your information are set forth in our Privacy Policy applies to your use of your Mobile Card. We do not control the privacy and security of your information that may be held by these service providers such as Apple, which is governed by the privacy policy given to you by these providers.

6. Discontinuing the Service.

Upon your request or for our protection, we can block, restrict or suspend a SkyOne Federal Credit Union Card from use as a Mobile Card at any time. You may delete or remove a SkyOne Federal Credit Union Card as a Mobile Card through the Apple Pay service. You can terminate these Terms & Conditions at any time by removing all SkyOne Federal Credit Union Cards from the Mobile Card service. We can terminate these Terms & Conditions at any time. We can also change these Terms & Conditions, or add or delete any items in these Terms & Conditions, at any time. If SkyOne Federal Credit Union’s Terms & Conditions are either changed or terminated, as applicable, we will provide notice to you electronically, if required by law.

7. Contacting You Electronically.

By enrolling you consent to receive electronic communications and notices from us in connection with your SkyOne Federal Credit Union Card and the Mobile Card by email or on your device. You agree that we can contact you by email at any email address you provide to us in connection with your service enrollment or any SkyOne Federal Credit Union account.  You also agree that we can contact you on your device.

8. Intellectual Property

All intellectual property rights including all patents, trade secrets, copyrights, trademarks and moral rights (“Intellectual Property Rights”) in Apple Pay (including text, graphics, software, photographs and other images, videos, sound, trademarks and logos) are owned either by Apple, us, our licensors or third parties. Nothing in these Terms and Conditions gives you any rights in respect of any intellectual property owned by Apple, us, our licensors or third parties and you acknowledge that you do not acquire any ownership rights by adding your Card to, or using your Card in connection with, Apple Pay.

9. Consent.

By enrolling in the service, you are agreeing to receive this Consent electronically and agreeing and acknowledging that you have read and agree to be bound by this Consent and your acceptance will be considered binding as if you provided a manual signature. Your Consent also constitutes your Consent to Apple’s Terms and Conditions. If you do not agree to provide this Consent or otherwise do not want to use the Service, please do not proceed with enrollment.  An incomplete enrollment is considered non-Consent.

eSignature and Electronic Disclosures Agreement

This E-Signature and Electronic Disclosures Agreement (“E-Sign Agreement”) applies to all communications, documents, disclosures and electronic signatures related to the products, services and accounts offered or accessible through the SkyOne Federal Credit Union online application process for all applicants, co-applicants and other individuals listed on any application or form including beneficiaries and authorized users, as applicable.

Agreement to Conduct Transactions by Electronic Means

You agree to conduct transactions offered through the SkyOne Federal Credit Union online application process by electronic means and acknowledge that all documents, disclosures, forms and other information related to such transactions will be provided to you through a web-based electronic interface or email. In addition, you authorize SkyOne Federal Credit Union to access credit reports (where applicable) and related information for all applicants in order to process this application. You further agree that all transactions completed through SkyOne Federal Credit Union online process will result in valid and legally binding agreements. You also agree that you have adequate access to a computer with sufficient internet connectivity to conduct these transactions online.

Agreement to Use Electronic Signatures

You specifically agree that any electronic signatures that you provide through the SkyOne Federal Credit Union online process are valid and enforceable as your legal signature. You acknowledge that these electronic signatures will legally bind you to the terms and conditions contained in the related documents just as if you had physically signed the same documents with a pen or commonly known as a “wet signature.”

Agreement to Receive Disclosures Electronically

You agree to receive all legal and regulatory disclosures and other communications associated with any of the applications or transactions available through the SkyOne Federal Credit Union online application process through electronic means including this web-based electronic interface and email.

Availability of Printed Copies

You may obtain printed copies of any of the agreements, disclosures or other related documents by signing into your account, downloading the documents and printing them from your computer or by calling member service and requesting printed copies.  Alternatively, you can save any of the agreements, disclosures or other related documents by signing into your account, downloading and saving them on your computer.